Loading…
Brazilian digital bank and super-app offering banking, investments, insurance and shopping through one mobile platform.
Brazilian digital bank and super-app offering banking, investments, insurance and shopping through one mobile platform.
Earns mostly from interest on its loans, such as credit cards, payroll loans and mortgages, and from card payment fees, funded by cheap deposits from its app users. It began as a lender linked to the Menin family's construction business, and the family still controls it. Brazil is nearly its whole market.
In one line: Brazil's Chime/PayPal-style digital super app bank.
Moat: narrow (network effects, scale, distribution). Large low-cost digital user base cross-sells banking, investing and shopping without branches.
Headquarters: Belo Horizonte, Brazil · Founded: 1994 · Employees: 4,179
Size Inter & (INTR) is a United States Financials company (Major Banks) with a market value of $1.70B, the 1905th largest of 3,117 United States companies the cockpit tracks. Shares closed at $3.86 on 6 Nov 2026.
Performance Over six months the shares fell 40.4%, against +6.2% for the median peer and -1.1% for the United States market (cap-weighted) — lowest of 20 in its peer set.
Growth Revenue grew 51.1% over the last twelve months (peer median +5.0%); the operating margin is 19.2% (peer median 29.9%).
Valuation It trades at 0.84× book value against a peer median of 0.98× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 8.8%; Inter & delivers 15.5%, so the price asks less than the business earns today.
Short interest Short interest is 4.9% of the free float (15 Oct 2026).
Next results Next results expected around 12 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $3.22B | $2.66B | $1.89B | $1.57B | $1.09B |
| Revenue growth | — | +40% | +21% | +44% | — |
| Net income | $290M | $235M | $168M | $60.5M | -$2.15M |
| Free cash flow | $1.06B | $547M | $532M | $441M | $171M |
| Capital expenditure | $110M | $102M | $94.5M | $55.1M | $56.2M |
| Total debt | $6.31B | $5.41B | $3.47B | $3.67B | $2.71B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Inter & INTR | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% |
| Nu Holdings Ltd. Class A NU | $58.1B | -13% | +54% | 32% | 4.39× | 32.4% |
| StoneCo STNE | $1.83B | -30% | -30% | 34% | 1.00× | 12.9% |
| PagSeguro Digital PAGS | $2.11B | -25% | +11% | 15% | 0.72× | 9.5% |
| PicS PICS | $889M | -44% | +89% | 31% | 0.73× | 12.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | INTR | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -46.7% | 0.0% | lowest of 21 |
| 6-month return | -40.4% | +6.2% | lowest of 20 |
| Return on equity | 15.5% | 8.3% | 5th highest of 21 |
| Price / book | 0.84× | 0.98× | 7th cheapest of 21 |
| Trailing P/E | 5.9× | 12.4× | 2nd cheapest of 20 |
| ROE the price implies | 8.8% | 7.8% | 10th most demanding of 21 |
| ROE delivered | 15.5% | 8.5% | 5th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Inter & INTR | United States | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% | 15.5% |
| Hope Bancorp HOPE | United States | $1.68B | +6% | +7% | 6% | 0.75× | 7.6% | 5.9% |
| CHINA BOHAI BANK 9668.HK | Hong Kong | $1.67B | -23% | -5% | 6% | 0.10× | 3.4% | 5.5% |
| QCR QCRH | United States | $1.64B | +11% | +3% | 13% | 1.43× | 10.9% | 12.7% |
| iM Financial 139130.KS | South Korea | $1.76B | -20% | +24% | 8% | 0.46× | 4.2% | n/a |
| FirstSun Capital Bancorp FSUN | United States | $1.77B | +5% | +45% | 4% | 0.98× | 6.3% | 4.2% |
| Hyakujushi Bank 8386.T | Japan | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% | 5.6% |
| South Indian Bank SOUTHBANK.NS | India | $1.60B | +38% | +5% | 14% | 1.25× | 18.3% | 13.9% |
| Pathward Financial CASH | United States | $1.58B | -12% | -1% | 21% | 1.93× | 12.8% | 20.9% |
| Esquire Financial ESQ | United States | $1.57B | +21% | +33% | 11% | 2.00× | 10.2% | 10.5% |
| Happen HAPN | United States | $1.84B | n/a | +26% | 14% | 1.16× | 14.5% | 13.8% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |
| Punjab & Sind Bank PSB.NS | India | $1.52B | -22% | +3% | 11% | 0.99× | 14.8% | 10.7% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| Avarda Bank AVARDA.ST | Sweden | $1.47B | +42% | +22% | 26% | 4.29× | 23.7% | 26.0% |
| City CHCO | United States | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% | 16.4% |
| Senshu Ikeda Holdings,Inc 8714.T | Japan | $1.41B | -14% | +29% | 8% | 0.88× | 6.0% | 8.0% |
| Seven Bank 8410.T | Japan | $2.09B | +28% | +3% | 6% | 1.41× | 5.7% | 6.3% |
| OFG Bancorp OFG | United States | $2.15B | +10% | +2% | 17% | 1.60× | 12.0% | 16.6% |
| Awa Bank 8388.T | Japan | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% | 4.7% |
| WaFd WAFD | United States | $2.18B | -17% | 0% | 8% | 0.81× | 8.1% | 8.5% |